Every bank in the UAE has its own products, pricing, criteria and appetite for different clients. Approaching them one by one takes time, and a declined application can affect your credit file. As a banking broker, we do the groundwork for you: we know which banks are likely to accept a file like yours, we compare their offers and we negotiate within their policies. Alongside brokerage, we offer financial consulting to help you make better decisions before you borrow.
Banking brokerage
We act as an intermediary between you and banks and financial institutions to obtain the most suitable financing offer at the lowest available cost.
- Offer comparison: rates, fees, insurance, tenor, early settlement terms and total cost, presented side by side.
- Negotiation: we discuss terms with the banks on your behalf, within their policies and Central Bank rules.
- Follow-up: we track your application from submission to disbursement and handle the bank's questions.
- Practical guidance: we explain each document and condition before you sign.
Our brokerage fee
Our brokerage fee starts from 1% of the financing amount. The exact fee depends on the type and complexity of the financing and is agreed in writing before work starts, so there are no surprises. The initial consultation is free.
Financial consulting
Sometimes the most valuable step comes before any application. Our financial consulting helps you understand where you stand and what makes sense next.
- Analysis of your current financial position: income, commitments, credit record and cash flow.
- Assessment of opportunities: for example, whether an income-generating property suits your situation and how it could be financed.
- Strategic financial planning: timing large purchases, sequencing financing and building a stronger credit profile.
- Financial risk management: understanding rate changes, tenor choices and the impact of new commitments.
Our consulting focuses on financing and financial planning. We do not trade securities, manage investment portfolios or hold client funds.
Our commitments to you
- A clear fee, agreed in writing before any work starts.
- An honest view of your chances, even when the answer is not yet.
- Your documents shared with a bank only with your consent.
- Full confidentiality of your personal and financial information.
Who is it for
- Individuals who want the best financing offer without visiting several banks.
- Business owners who need an experienced partner to prepare and negotiate their financing.
- Clients planning a major purchase or investment who want an independent view first.
How it works with Lugain Global
- Free initial consultation: we understand your goal and financial position.
- Written agreement: we agree the scope of work and fee in writing.
- Analysis and comparison: we review your file and request offers from suitable banks.
- Recommendation: we explain the options and our recommendation clearly.
- Execution and follow-up: we follow the chosen application until completion.
Important to know
Lugain Global is a financing broker, not a lender. Banks make the final decision and may apply stricter criteria than described here. We do not guarantee approval, rates or investment returns.